Articles for Individuals

Whether you’re just starting out, are well into a career and a life that you love, or are heading into retirement, read on for ideas and products that can help you in every stage of life.

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Life insurance decoded: How health and other factors affect your pricing

Most people understand the value of life insurance—you pay for it while you’re alive to protect your loved ones after you’re gone. But many people don’t understand how their health and lifestyle choices may affect their life insurance costs.

Be prepared for what's ahead
When you’re just starting your career, you’re probably not thinking about retirement or life insurance. But this is the ideal time to start putting money toward your future and protecting your finances. Here are three things you should consider doing now.
Is life insurance right for me?
There are a number of ways people use life insurance that go beyond protecting loved ones. Here’s a closer look.
Are annuities right for me?
Chances are, you’ve heard of annuities. While most annuities share the same general idea—you put money in, your money grows tax-deferred, you get your money back—they are not all the same, and their features vary by product and insurance company. Here’s a quick introduction.
Where will your retirement income come from?
For most Americans, retirement income will come from three sources: employer-sponsored retirement programs, savings/investments and Social Security. But will you have all three? Not necessarily. Take a look at some additional options for retirement income.
Demystifying annuities
For people seeking guaranteed income in retirement, one of the most effective products available today is also one of the most misunderstood. Let’s face it, annuities have been given a pretty bad rap over the years, and it’s time to clear things up.
Rising rates can get you down
Conservative strategies often rely on “fixed income” investments such as bonds or bond funds to provide stability in a retirement portfolio. But they are not without risk, and a key risk to be aware of is rising interest rates. Here’s why.
Will inflation take the air out of your retirement savings?
Our life expectancies are increasing, which means you could spend up to 30 years or more in retirement. If your retirement money can’t keep up with inflation throughout that time, it will lose its buying power. That’s one reason you may want to consider a fixed indexed annuity (FIA).
*AARP BankSafe Initiative, 2016, https://www.aarp.org/content/dam/aarp/ppi/2016-03/Banksafe-Flyer.pdf (Accessed Nov. 30, 2017)
Life insurance and annuities are issued and employee benefit plans are insured by Symetra Life Insurance Company, 777 108th Ave NE, Suite 1200, Bellevue, WA 98004, and are not available in all U.S. states or any U.S. territory.
This material is for educational purposes only and is not intended to provide investment, tax or legal advice.
The instruments (bonds) are not offered, sold or endorsed by Symetra Life Insurance Company.